If you are dealing with addiction problems, then you know how difficult an addiction can be to beat. When a person does not find the correct resources to help with his addiction, he can find himself in a constant cycle of addiction and pain. Unfortunately, there is a stigma attached to addiction and addiction recovery, so some people may want to try to quit on their own without telling anyone about their struggle. Although there have been individuals who have been able to get clean on their own, most people do need to go to some type of treatment center. Many leading doctors agree, “coupling medication with psychotherapy and support creates a solid foundation and results in a longer lasting recovery." Treatment centers can offer a person relief from the lifestyle that is keeping them in the prison of addiction.
Do Insurance Companies Cover Treatment Centers?
Since the majority of people who suffer from addiction will need some type of help from a treatment center, you may wonder how it is possible to cover the cost. These recovery experts explain, “there are many approaches to successful treatment such as: behavioral therapy, 12 step programs, motivational interviewing, contingency management, medication treatments, and even alternative methods.” Treatment centers can keep a person for weeks or even months. These centers have to be able to fund the professional staff that works at the center and the facility itself. For that reason, the cost of staying at a treatment center can be high. Instead of worrying about payment, you'd do well to get in contact with your insurance company.
The good news is that most insurance companies will cover treatment centers; there may be some stipulations on the coverage. It is possible that the insurance company will want you to only go to a treatment center that is in their network, or they won't cover the expenses. On the other hand, the insurance company may only cover you for a certain amount of days, or for a percentage of the total cost. There are still some insurances that will ask you to pay a certain amount towards the deductible and copay before they offer coverage.
Don’t Hesitate To Get Help
Regardless of the issues that may come up with insurance, the most important thing is that you get the help that you need in order to stop the addiction rollercoaster. This government agency reinforces, “You suffering is real, and it is possible to overcome it. Don’t give up on hope. It may not be simple or easy, but it will be worth it.”
It is worth the time and effort that you may have to spend when working with your insurance company to find the right treatment center. There is no price on your happiness and your livelihood, so do the initial work so that you can live a better life. Various treatment centers can give you the tools that you need to break the cycle of addiction.
If you find yourself in need of insurance, whether it be health insurance or some other kind, keep George Beach Insurance in mind! We want our clients to be happy, healthy, and safe. Get in contact with us for a free quote!
There are many advocacy groups for addiction recovery that are claiming some addictions are diseases. Therefore, they believe that it's critical for insurance coverage to be available. However, if addiction isn't understood as a disease, these insurers will not make payments for treatments. These groups are insisting that we continue making the case that addiction is a disease and that insurance companies cover the fees for treatments.
Insurers are Already Making Payments
Many insurance companies are already making payments for many conditions they don't consider diseases. For example, pregnancies and broken bones receive coverage, and they don't fall under the category of diseases or disorders. Therefore, it's vital that those who have an insurance policy to review the details regarding the inclusions and exclusions of their coverage.
Because treatment plans aren’t cheap, it’s vital that you contact your insurance provider if you have any questions regarding your insurance coverage. This medical website also advises, “if your insurance company denies your claim, you have the right to appeal (challenge) the decision. Ask your doctor for his or her opinion. If your doctor thinks it’s right to make an appeal, he or she may be able to help you through the process.”
Understand Your Options
There are a significant amount of insurance companies recognizing the fact that addiction is a condition that's treatable. This treatment center explains, “medically supervised drug and alcohol detox eases symptoms of withdrawal for individuals recovering from drug abuse and addiction.” The assistance these centers can provide should be recognized. Thankfully, many drug and alcohol dependencies are seen as medical conditions that could be covered under a public, private, or group insurance plan. If you have a private or public insurance plan, they'll frequently compensate a portion of the inpatient or outpatient treatment expenses for just about every kind of addiction treatment program.
Recognition of Mental Disorders
These mental health experts defines it as, “addiction is a complex condition, a brain disease that is manifested by compulsive substance use despite harmful consequence. People with a substance use disorder have distorted thinking, behavior and body functions. Changes in the brain’s wiring are what cause people to have intense cravings for the drug and make it hard to stop using the drug.” Because our culture as a whole has begun to recognize it, insurance companies are also recognizing addiction more and more as a mental condition.
As such, they're providing the same coverage as they would for health and behavioral conditions. These insurance companies understand that substance abuse can lead to physical or psychiatric consequences in the future. They also recognize that other health conditions including diabetes and heart disease could be the result of addiction. Therefore, it's favorable for those who are insured to receive coverage.
What Coverages Can I Expect?
Coverages will depend on the insurance provider with which you're doing business and your plan. Look for plan coverage that will include detoxification. This drug abuse hotline explains, “in many cases, private insurance will cover some or all of your addiction treatment. Payment options like financing, loans, and sliding scales often help to offset the remaining cost.” So no matter what situation people may find themselves in, there’s always hope.
Medically supervised drug and alcohol detox is a serious situation and, when patients are undergoing this treatment program, insurance companies understand that withdrawal symptoms could be fatal. Therefore, many insurance companies understand that it's critical for coverage to be in place for the health and safety of the patient. When patients are surrounded by experienced healthcare professionals, they have a better chance of experiencing a positive outcome that involves less potential for risk or fatalities.
If you’re looking for health insurance and need some additional support, spend some time examining our Health Insurance options!
Just like adults, children often face numerous oral problems. Once you realize that your children are suffering from oral pain and other oral-related issues, you should be able to take them to an experienced dentist for examinations. The best way to ensure that you and your children are taken care of is to have the right dental insurance plan that suits you. Below are three common dental procedures done on children that just might break the bank if you don’t have insurance.
This procedure is used for children who have weak, worn out and broken teeth. Adding a crown strengthens the tooth and improves its shape. If the teeth are severely decayed, the doctor is likely to use stainless steel crowns to restore their shape and hold fillings. You can also find crowns made of porcelain. Some people prefer them because they are stronger than the rest and they look more like natural teeth. Depending on the type of crown, the cost without insurance can be between $1,000-$1,500. Also keep in mind that this procedure usually takes more than one appointment, so the bills may start to add up if you’re paying full price for each visit.
Fillings are common dental procedures performed on children who have cavities. Traditionally, dentists used fillings or dental restoratives made of porcelain and gold. However, there are modern dental fillings that can mimic and match the appearance of natural teeth. The natural colored fillings however, are typically between $90 and $300 for one to two teeth without insurance. Also, this is one procedure that putting off could do more harm than good. If you don’t have insurance and are trying to wait until you have more money, a simple cavity or two could turn into a much more serious and expensive problem.
If a particular tooth is affected by decay or your kid’s mouth if overcrowded, your dentist can recommend extraction, which is the removal of a tooth. The process depends on the severity of the child’s situation. For instance, the dentists may recommend extraction due to long and painful roots. Depending on severity, you may need an experienced dental surgeon to perform this practice, which can add $75 to $300 more to your price tag without proper coverage.
Having dental insurance could make any of the above mentioned procedures much less draining on your wallet. Additionally, if you recognize these orthodontic problems in your children early, then your likelihood is even higher that you won't have to pay for the more extensive procedures. It is advisable to take your child for teeth examination at least once per month. This will help to keep your child happy and healthy, and your wallet just a little more taken care of.
Even a short-term disability can become a major issue, especially for those who are self-employed or who run their own business. While it is possible to purchase disability coverage as a business owner, there is often a great deal of confusion regarding which policies, plans, and providers may afford the needed level of protection. Identifying the appropriate level of coverage and giving insurance providers accurate information on earnings history in order to qualify for certain coverage options are never matters that should be left to chance.
Determine the Appropriate Level of Coverage
Many business owners pay themselves a salary out of their business's earnings. This is an arrangement that can greatly complicate disability coverage in the event of an injury. Plans that only cover the income that owners are being paid and not the operational losses that may be incurred, should owners be unable to manage the day to day operations of their business, are rarely the best option. While a policy that is able to cover operational losses for the duration of either a short-term or long-term disability can be far more expensive than plans that only protect an individual worker, they may also prove to be a critical asset.
Numerous records are often required by insurance providers in order to establish worker earnings and the cash flow and overall profitability of a business. These figures are often essential for determining rate costs, insurance premiums, and the level of coverage that may be purchased. New startups and ventures that have only been in operation for a short time can make it far more difficult to establish the income and earnings figures that are required in order to qualify for certain plans and coverage options. New business owners often require the services of a professional in order to find and select a disability policy that will be better suited to their needs.
Work with an Insurance Broker
Being limited to only a single provider can drastically reduce the range of coverage options that business owners have to choose from. Working alongside a professional brokerage or service provider helps to ensure that a greater range of options, providers and solutions may be found. For small business owners who lack the income and earnings history needed to qualify for coverage through a provider, the assistance of a professional broker can be a tremendous asset.
For more information on getting disability insurance, or if you have more questions on how to decide the best insurance for your business needs, contact us now! We provide small businesses and individuals various types of health plans to help them protect their health while meeting their financial goals.
There are many insurance products out there that you can benefit from. Some of the most common that people are aware of are health insurance, car insurance, and life insurance. But there are other valuable insurance policies that you may not think about or be aware of. Here are five insurance products that you didn't know you needed.
Covered California has tentatively selected 11 health insurance companies to be available for enrollment starting Oct. 15, 2018, for coverage that begins on Jan. 1, 2019. These health insurance companies will offer quality health care to millions of Californians in the individual market while providing consumers meaningful choices of affordable plans in every region of the state.
More than 96 percent of consumers will have at least two health insurance companies to choose from and 82 percent of consumers will be able to choose from three or more insurance companies. Quality providers such as Hill Physicians, UCSF Health and others remain available in 2019. In addition, consumers have access to 91 percent of the general acute care hospitals in California through Covered California plan networks.
Health Insurance Companies Selected for 2019
1. Anthem Blue Cross of California
2. Blue Shield of California
3. Chinese Community Health Plan
4. Health Net
5. Kaiser Permanente
6. L.A. Care Health Plan
7. Molina Healthcare
8. Oscar Health Plan of California
9. Sharp Health Plan
10. Valley Health Plan
11. Western Health Advantage
These health insurance companies represent a mix of major insurers and smaller companies, regional and statewide doctor and hospital networks, and for-profit and nonprofit plans. They deliver exceptional value and choice with affordable premiums, a wide choice of benefit levels and good access to doctors and hospitals in all areas of the state.
Our services are FREE & CONFIDENTIAL, let's review your current coverage and prepare for 2019!
Every year, everyone has to update their health insurance. It is inevitable and many people dread having to decide which plan they should go with for the following year. There are so many variables, and cost is one of those variables. The cost of the health insurance plan can vary depending on the size of the deductible.
Because the insured will be responsible for a larger amount of their initial care at the beginning, a high deductible plan will have a lower premium each month. The deductible can range from $1,000 or more depending on the size of the insured’s family. The money paid out for the deductible will end as soon as the limit is reached for the plan.
If the insured decides on a high deductible plan, they maybe be eligible for a Health Savings Account. This account allows the insured to set aside a certain amount of pre-tax dollars for medical expenses. Sometimes an employer will also contribute to an employee’s Health Savings Account.
A low deductible plan means that the insured will pay less for medical care when they visit a doctor, but their premiums will be much higher every month. Most of the time with a low deductible plan, the insured is paying a co-pay for each visit to the doctor and these co-pays will need to be paid throughout the year.
It is usually best to estimate the medical costs for the following year before signing up for a plan. A person should make a list of all of the routine and necessary appointments plus prescriptions and then add on a few extras just in case. Next, add up all of the expenses including the premium for a high deductible plan and then for the low deductible plan and compare them. A low deductible plan has the potential to cost twice as much per month than a high deductible plan, depending on how often the medical insurance is used.
A high deductible plan is usually best for people who are healthy and do not have children. Low deductible plans are always best for people with chronic medical issues and children.
Health insurance is necessary and it is not something that can be ignored. Every person needs to look at the information carefully and make the best decision for themselves and their family.
Well, what can you do about health care promises made by politicians? However you cut it, you might need to find your own way to finance high-cost medical procedures. Take control of your health care bills by finding a creative funding source.
Expensive Medical Bills
Many costs are rising; but, healthcare costs are rising faster than the average. Cosmetic surgery, dental work or LASIK might be necessary high-cost medical procedures. If you have no health insurance, you are not alone. In 2017, CNBC reported that 11.3% of American adults lacked health insurance coverage.
Aren't there any groups or businesses that can help you out? There are many charitable organization and government programs that can help you put a dent in high-cost medical procedures so that you can cover the rest. Here are some other ways to pay those bills.
Health Savings Accounts (HSA)
The primary goal of HSAs is to provide tax deductions for funds that will be used to pay for medical procedures. Now, might be the time to tap into your healthcare account. Obviously this isn’t the option for those who need immediate help, but as with many things in life, preparation goes a long way. No one expects to get sick or need medical care, but everyone does at one time or another. That’s why it’s important to set up a HSA or something like it well in advance.
You could tap into your 401(k) plan. The government allows you to withdraw a certain amount of money without a penalty. Read the fine print of your 401(k) plan to see the terms and conditions. It’s critical that if you’re thinking of tapping your 401(k) you understand what goes into that process. You need to talk to a financial adviser if you’re wanting to do this since it’s very easy to do it wrong and you could cause problems for your financial future. There are also ways you can tap into your 401(k) without causing any problems, and speaking with a financial adviser will help you navigate those tricky waters.
You could also go to a peer-to-peer lending organization. Unlike crowdfunding services, these peer-to-peer funds are personal loans. These sites offer unsecured personal loans which are great for people who have issues with banks or other lending services. But just like any other lending or loan service, you will be required to repay the amount you borrowed plus interest. This isn’t a long term solution, but can help you overcome bills that are due immediately which you will pay back later.
Another intriguing possibility is to take out a HELOC of a Home Equity Line of Credit. You might have built up a significant amount of home equity and wouldn't high-cost medical procedures be one of the best ways to spend this money? A nice feature of the home equity loan is that the interest you pay is tax-deductible.
Other Financial Options
There are other special options to help you pay your medical bills. Most hospitals will have social workers who have access to special government programs. You can talk to the hospital social worker to create a payment plan. Since their job is to help patients and those in need receive the financial help they require they know a lot of information on how to make the system work for your benefit.
If you’re a military veteran, you might have some additional options not available to other citizens. Because of your service and determination you might have the option to look into VA refinance options for your home loan that can allow you gain a substantial amount of money to help cover costs.
You can try to set up a project on crowdfunding, peer-to-peer lending, use HSA accounts, take out a loan, or see if the hospital can help. High-cost medical procedures might save your life. Hopefully, you find ways to finance high-cost medical procedures, so you can enjoy a long, healthy, productive life.
If you’re wanting some financial or insurance help make sure to get in contact with us!
If you've been thinking about investing in your smile, congratulations! Your smile matters, which is why receiving regular, consistent dental care is essential. For some adults, choosing a dental insurance plan can be tricky, but there are a few things you need to know. The right plan can make an incredible difference in your life and can help ensure that you receive regular treatment that contributes to the longevity of your teeth and your smile.
It's important to visit your dentist on a regular basis for cleanings and x-rays. Your dentist will create a treatment plan based on the current state of your teeth. According to dental services, new technologies are able to detect dental concerns at early stages, treat your dental issues with precision, and provide stunning and customized restorations. They will then let you know if you need any fillings, implants, or crowns placed on your teeth. Most patients should visit the dentist at least twice a year for cleanings and checkups. This helps prevent problems from developing.
One of the most important things adults can invest in is dental insurance. While dental insurance often assists with the cost of preventative treatment, note that insurance can also offer coverage during emergencies. Accidents can happen to anyone at any time, which is why it's important to choose a dental coverage plan that lets you prepare for this. Should you need emergency treatment, a dental implant, or even a crown, your dentist can offer you these treatments and your insurance will help cover the cost.
Selecting a Plan
Dental technology has come a long way and focuses heavily on preventative care, as well as care designed to give you a great smile. A strong smile can drastically improve your self-confidence, which is why much of modern care focuses on using technology to make you feel great. When you choose a dental care plan, make sure you choose something you're comfortable with, and that offers the specific coverage you need to get the smile you've always wanted.
If you have questions about dental coverage or plans, don't be afraid to reach out and ask the questions you need to make a decision and move forward. You deserve to have a smile you feel great about, which is why you should consider getting a treatment plan that offers emergency coverage, as well as protection for restoration treatment. Don't wait to get the help you need to develop an amazing smile. Reach out today to find a plan that works for you.
Genetics is one of the factors that determines how long you are going to live. Although you cannot do anything about your genetics, a healthy lifestyle can help extend your life. On the other hand, there are unhealthy habits that can take years off of your life.
Smoking can increase the risk of heart disease and cancer. In fact, an estimated 75% of all oral cancers are caused by habits like smoking. Even if you only smoke occasionally, you can still be doing serious harm to your health. If you quit smoking, then you can add 10 years to your life.
Drinking Too Much
Small amounts of alcohol are not likely to harm your health. However, if you drink too much, then you can take years off of your life. You should not have more than three alcoholic beverages per day. Alcohol can cause liver problems, heart disease, high blood pressure and obesity.
Sitting Too Much
Studies have shown that sitting for more than three hours per day can take two years off of your life. Even if you exercise regularly, you can still harm your health by sitting too much. One study showed that people who sat for more than 11 hours per day were 40 percent more likely to die within three years.
There are things that you can do to protect your health if you have a sedentary job. You can get a stand-up desk. You also want to make sure that you get up and walk regularly throughout the day.
Even if you do not smoke, drink or sit too much, you can still be harming your health if you are anti-social. Studies have shown that people who have weak social connections are more likely to die prematurely than those who are more social. In fact, one study showed that being lonely can be just as bad for your health as smoking 15 cigarettes per day. Another study showed that elderly people who had strong social connections were 22 percent less likely to die. They also had healthier brains.
Your genetics are not the only thing that influence your lifespan. You can add years to your life by changing your lifestyle. Not smoking and limiting your alcohol consumption will add years to your life. You will also need to make sure that you maintain an active lifestyle. Additionally, it is important to have an active social life.
Remember, you genetics do not control your destiny., You can take active steps to insure that your body will be happy and healthy for years to come. Part of that is having adequate medical care and medical overage. Contact George Beach insurance services today to learn more about our health insurance programs.
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